If I rear-ended a young man and showed him an expired policy card because I don't have insurance, what should I do?
Question Details: No police report was made.
If you do not have insurance, either his own insurance will cover the loss or he would sue you for damage.
If he has uninsured motorist coverage, they will pay up to their policy limits. Then, their insurance company could come after you for reimbursement. If they do not have uninsured motorist coverage, they will come after you personally.
BARRY BESSER
Most city ordances require that injury accidents or accidents with significant property damage be reported within 24 hours. Additionally, if the other driver makes a claim against his own auto insurance for property damage or injury, his company will require him to report the accident. Once that occurs you might be asked by the investigating agency to fill out an info sheet regarding the accident. At that point you should speak to a lawyer. Through a variety of ways these matters some times do come the attention of the state licensing bureaus and automatic suspensions for not maintaining insurance are ssued. If you haven't already, get insurance and maintain it.
You should wait and see if the young man or his insurance company decide to sue you for the damages caused by the crash. Presumabley the young man has insurance to pay for a loss caused by an uninsured driver. You should consult an attorney if suit is filed so that you can determine your best course of action.
You may have exposure for damages relatin got his accident. You may want to speak to a personal injury lawyer in your area that handles defense of auto accident claims
